Let us take care of your finances so you can focus on taking care of yourself.
These days, thanks to advances in the medical field, you’re much more likely to suffer a critical illness and live, than you are to die suddenly - which means financial hardship is likely what will be left behind.
Our Living Benefits Specialist, Carla Zanotto, can help you prepare for unplanned events
Many individuals wonder if they really need an individual disability insurance policy, believing there are other sources they can rely on to provide replacement income in the event of a disability. While there are other sources that may provide disability benefits, the reality is those sources may not provide sufficient amounts to maintain pre‐disability standard of living.
They may also impose limitations on accessing the benefits. Many individuals realize this only when they submit their disability claim, when it's too late.
Critical Illness Insurance
Critical Illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the additional costs associated with medicine and treatment, to travel, home care and specific accommodations if needed, treating and recovering from an illness can have a devastating financial impact. Plus, if you’re unable to work during your recovery, the impact is even greater.
With Critical Illness insurance, if you become sick with one of the covered conditions covered by your policy and survive the waiting period, you receive a cash benefit. You can then use the funds as you wish. There are many different products and options available. We can help you determine the appropriate product and coverage amount for your needs.
Disability Insurance
Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, Disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians. An individual Disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.
Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, Disability insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years
Long Term Care Insurance
Long term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care when you can no longer care for yourself.